Link Financial has produced CCA and terminated my account. How to proceed?

Salient1878

I requested the CCA for a Lloyds credit card taken out in 2006 and defaulted about 4 or 5 years later.

The account was marked as a default on my file - I had a few around the same period. Since the defaults dropped off, I have kept everything 100% in order.

My aim in requesting the CCA was for them to not be able to find it due to it being 18 - 19 years old and then make a very low offer of settlement. However it took them about a month.

I stopped making payments toward the debt (made to Wescot) whilst I awaited the CCA.

Link has produced what may or may not be a legit CCA (name, address, my signature, etc), and two sets of 7 page T's and C's - one for each address they held for me along with a cover letter stating:

"The account has been terminated. The "current balance" is the total outstanding balance that is due and is payable immediately."

I was wondering how to proceed. 

Outstanding balance is £1200.

Obviously, I aim to avoid unnecessarily walking myself into court action. 

Should I write to them to acknowledge the correspondence and make low offer in full and final settlement?

Are there any implications for my credit file? 

What if Link reject the settlement offer? 

Salient1878

Here is the Link correspondence. Any advice on whether the received CCA is legit would be most welcome:

ManyWays

Has this old debt has already dropped off your credit record?
How much were you paying Westcot a month for it before you stopped? 

Salient1878

Yes the default has dropped off.

I was paying £20 a month.

Winkflower

Hi there I've recently sent 5 x cca requests and had this letter back with all of them. I'm not sure they have actually terminated them, they are all still there when I log into my lin account.i think it's there way of trying to sound scary maybe? Or divert attention from what I recieved in 5 badly reconstituted ccas with no statements of account.
I spoke to national debt line albut it today 
I'm gling to send a complain in writing for each asking fro my account to be put on pause until they can supply compliant information. Eg one hs my current address and was taken out when at my previous address.  None have a statement of accounts or interest rates.
3/5 are defaulted, I don't mind if they default the other 2.
I'm gling to ask for a pause while they comply and if not resolved go to the ombudsman.
Will see how that goes but wanted to let you know ow  irecevied the same ypur account has been terminated... which contradicted the front letter saying now enforceable.
Will be interested to see if any are terminated- I've asked on here on a different post re this and advised that dcas don't usually then sell debts on again.
Will follow with interest 
Wx 

sourcrates

When they say the account has been terminated, they are referring to the original credit card account with Lloyds TSB.

They do not mean they have closed the account on their systems and now require full payment, you can still pay this by monthly payments, or make a settlement offer, just to clarify that point.

Nothing will re-emerge on your credit file regardless of what you do here.